Estate Planning

Most people associate the phrase “estate planning” with having a will – a legal document that names your
beneficiaries and spells out who gets what when you die. And while the transfer of your assets is an important part of
estate planning, a will or a trust is just one aspect of a broader estate planning strategy to ensure your wishes are
known, honored and carried out as efficiently as possible when you’re no longer able to articulate them.

We work with a team of estate planning experts at Northwestern Mutual. Together, we can help you develop an estate planning
strategy that may include the following:

A strategy to reduce or eliminate gift/estate taxes for your heirs

A plan to protect your estate from mismanagement or from claims of creditors or ex-spouses

In addition to the expertise our team can offer, you’ll want to work with an estate-planning attorney to establish:

Health care directives and a living will that specify the extent to which you want health care professionals
to treat you if you become ill or incapacitated.

Powers of attorney that grant people you trust the legal authority to act on your behalf in case of
sudden accident or illness.

A will or trust to ensure your assets are transferred according to your wishes.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) (life and disability insurance, annuities, and life insurance with long-term care benefits) and its subsidiaries. William J Cullity is an Insurance Agent of NM and a Registered Representative of Northwestern Mutual Investment Services, LLC (NMIS) (securities), a subsidiary of NM, broker-dealer, registered investment adviser and member FINRA (www.finra.org) and SIPC (www.sipc.org).

The products and services referenced are offered and sold only by appropriately appointed and licensed entities and Financial Representatives. Financial Representatives and their staff might not represent all entities shown or provide all the services discussed on this Web site. Not all products and services are available in all states.

William J Cullity is primarily licensed in Florida and may be licensed in other states.